Search found 125 matches

by nativenewenglander
Sun Jun 16, 2019 5:11 am
Forum: Personal Consumer Issues
Topic: Durable non-stick cookware suggestions?
Replies: 30
Views: 2578

Re: Durable non-stick cookware suggestions?

If you are talking about “Teflon” like pans with a coating, Very few if any last for 20 yrs plus. I think cast iron can be seasoned and used to the point where they are non stick. Rarely washed, just wiped out , theydo become nicely non stick. I have a 10" Erie cast iron skillet that's 100 years ol...
by nativenewenglander
Sat Jun 15, 2019 4:02 am
Forum: Personal Consumer Issues
Topic: Durable non-stick cookware suggestions?
Replies: 30
Views: 2578

Re: Durable non-stick cookware suggestions?

If you are talking about “Teflon” like pans with a coating, Very few if any last for 20 yrs plus. I think cast iron can be seasoned and used to the point where they are non stick. Rarely washed, just wiped out , theydo become nicely non stick. I have a 10" Erie cast iron skillet that's 100 years ol...
by nativenewenglander
Thu Jun 13, 2019 3:48 pm
Forum: Investing - Theory, News & General
Topic: The impact of Baby Boomers on the Future of U.S. Stocks
Replies: 41
Views: 5179

Re: The impact of Baby Boomers on the Future of U.S. Stocks

Harry Dent was (is) big on demographics and I remember seeing ads where he was predicting that the retirement of the Baby Boomers would lead to the next great depression - for reasons you cited and also because they would be consuming less in their retirement years. Well, the Baby Boomers are now r...
by nativenewenglander
Sun Jun 02, 2019 5:36 am
Forum: Personal Consumer Issues
Topic: Painting Cabinets - Is it that hard ?
Replies: 38
Views: 2936

Re: Painting Cabinets - Is it that hard ?

The better the prep, the better the results and durability. This is One method amongst many many many that are used by many skilled DIY and professionals. Preparation. Remove doors and hinges (a must) 1 Clean: A must. 2 Degloss: remove oils, surface shine: TSP (wear gloves and eye protection as it'...
by nativenewenglander
Mon May 27, 2019 5:33 am
Forum: Investing - Theory, News & General
Topic: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.
Replies: 135
Views: 11962

Re: Do you have an allocation more conservative than 50/50 ?? What is it? Why?

We are 95% in Wellesley Income Fund so a 35/65 split. 2.5% SCHO short term treasuries 2.5% Cash That gives us 2-3 years cash. Some accounts all dividends and capital gains get reinvested, other accounts only capital gains get reinvested and the dividends go to in cash. I am 58 and 75% retired, my wi...
by nativenewenglander
Wed May 15, 2019 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Careers in art
Replies: 91
Views: 4718

Re: Careers in art

Daughter is starting college and contemplating study/fields in art. She will be going to a local public state college. She is a talented artist. My first reaction is it isn't a very practical choice, but I honestly don't know. Options include art teacher, art therapist, graphic design, web design e...
by nativenewenglander
Mon May 13, 2019 5:48 am
Forum: Personal Finance (Not Investing)
Topic: Move out or stay at my parents?
Replies: 70
Views: 4824

Re: Move out or stay at my parents?

Hi I’m 27 and I just bought a 2 family home. I’m renting it both but was debating moving in the downstairs apartment. His lease is up in September. I put down 20 percent and I would be paying around 1100 a month in “rent” towards the mortgage. My parents, and brother are both telling me I should st...
by nativenewenglander
Fri May 10, 2019 6:20 pm
Forum: Personal Consumer Issues
Topic: Recycling Different Plastics
Replies: 63
Views: 3332

Re: Recycling Different Plastics

We have a nearby company in Groveton NH that is taking most plastics and turning it into heating oil. I drove by it recently it appears to be expanding. Our recycling manager told me there plan is to receive plastic from a 200 mile radius eventually. That would cover much of metro Boston, hopefully...
by nativenewenglander
Fri May 10, 2019 6:58 am
Forum: Personal Consumer Issues
Topic: Recycling Different Plastics
Replies: 63
Views: 3332

Re: Recycling Different Plastics

We have a nearby company in Groveton NH that is taking most plastics and turning it into heating oil. I drove by it recently it appears to be expanding. Our recycling manager told me there plan is to receive plastic from a 200 mile radius eventually. That would cover much of metro Boston, hopefully ...
by nativenewenglander
Mon May 06, 2019 6:29 pm
Forum: Investing - Theory, News & General
Topic: Wellesley’s Secret Sauce to Remain Secret
Replies: 26
Views: 6547

Re: Wellesley’s Secret Sauce to Remain Secret

If any of you have access to Morningstar Premium, the latest analyst report is terrific with a lot of information on how the fund operates. There is also a large archive of earlier analyst reports all the way back to 1993. https://www.morningstar.com/funds/xnas/vwinx/quote.html It looks like Welles...
by nativenewenglander
Sat Apr 27, 2019 5:47 am
Forum: Personal Consumer Issues
Topic: Should I apply wax on vintage items?
Replies: 9
Views: 1058

Re: Should I apply wax on vintage items?

You might want to call the museum curator at your state historical society. They will usually give you some time via telephone or if you are close arraign a meeting with your item at their office. Depending on the state there are sometimes many on staff that can help you. I'd probably join the histo...
by nativenewenglander
Wed Apr 24, 2019 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: window replacement: return on investment
Replies: 23
Views: 2131

Re: window replacement: return on investment

Windows are 10% of your heat loss in a building. So even if you save 50% by replacing them you're saving 5%. What is your cost to heat and cool your building? Do the math on your payback based on the roughly $24K outlay.
by nativenewenglander
Mon Apr 22, 2019 4:46 am
Forum: Personal Consumer Issues
Topic: update 70s kitchen or nah?
Replies: 49
Views: 3673

Re: update 70s kitchen or nah?

My parents home had a 1960's kitchen even with the original formica counters. I spent almost a month there cleaning and repainting. We had a new floor put down in the basement and kitchen. The house sold for 20% over asking price. I would do your best at cleaning up the kitchen you have as others ha...
by nativenewenglander
Sun Apr 14, 2019 5:02 am
Forum: Personal Consumer Issues
Topic: Cleaning shingles (moss & mildew)
Replies: 27
Views: 2771

Re: Cleaning shingles (moss & mildew)

We used Pool Shock and water with some dish soap on my dad's roof it worked great. You can Google it and get the right mix as I don't remember now. It took a couple gallons of Pool Shock which was $3.00 a gallon. You just spray it on and it kills the moss almost instantly as the Pool Shock is concen...
by nativenewenglander
Sat Apr 13, 2019 5:35 pm
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 95
Views: 7660

Re: Gardening 2019

Our garden is still covered in snow. The barn has three feet of ice under it. We live in zone 4a, so planting frost free is seven weeks away. The skiing is still good, so there's that!. I love gardening, but like other parts of each season. My potatoes are in, but I don't know when they go in the gr...
by nativenewenglander
Mon Mar 25, 2019 5:07 am
Forum: Investing - Theory, News & General
Topic: Move beyond stocks after couple mil ?
Replies: 44
Views: 6022

Re: Move beyond stocks after couple mil ?

Once you have 1-2 million in investible assets (in securities, say a 3 fund portfolio); and a paid off house, do you invest new money In securities only (into your existing 3 fund portfolio) ? Or do you consider small rental property investments ? How about buying a small business franchises (Like ...
by nativenewenglander
Sun Mar 24, 2019 6:42 pm
Forum: Personal Consumer Issues
Topic: 1/4 inch drywall over existing walls when remodeling?
Replies: 11
Views: 2001

Re: 1/4 inch drywall over existing walls when remodeling?

My neighbors have used 1/4 inch drywall, but I prefer to repair the plaster with plaster washers ect. It is easy to do with experience. To each his own on how to deal with crumbling plaster.
by nativenewenglander
Fri Mar 15, 2019 5:57 pm
Forum: Personal Consumer Issues
Topic: Fishing Kayak recommendation
Replies: 50
Views: 2468

Re: Fishing Kayak recommendation

My wife and I fish in a 15 foot canoe and have for 20 years. There are many brands made of kevlar or carbon fiber that are light and stable too. They are within your budget as well. I live in NH and this is one manufacturer here. https://boston.craigslist.org/gbs/boa/d/ranger-canoe-direct-sales-16-5...
by nativenewenglander
Fri Mar 15, 2019 6:27 am
Forum: Personal Investments
Topic: I think I can retire. Help me with the confidence and a plan.
Replies: 29
Views: 4984

Re: I think I can retire. Help me with the confidence and a plan.

The other part I don't see mentioned is your wife is 11 years older. My mother was 9 years older than my dad, he retired early to travel with her while they were both at their best. This something you should had to the conversation as to why it's important to slow down now.
by nativenewenglander
Mon Mar 04, 2019 6:31 am
Forum: Personal Consumer Issues
Topic: Why do you live where you live?
Replies: 134
Views: 8816

Re: Why do you live where you live?

I moved to NH in 1983 when I got out of college. My goal was to live in a place where most everyone drove to for vacation. It made me feel as if I was on vacation everyday. Great four season activities, skiing, canoeing, fishing, hiking. Moved further north five years ago as my former town was disco...
by nativenewenglander
Sat Feb 09, 2019 5:06 pm
Forum: Personal Consumer Issues
Topic: Recommendation for home gym (limited space)
Replies: 63
Views: 4473

Re: Recommendation for home gym (limited space)

I have a Vectra 4-C home gym in my basement. It has a 4X6 footprint and performs 31 exercises. I do about half of those every other day. It's built like a tank. I bought it on CL for $400 it was like new. It was around $2000 new.
by nativenewenglander
Tue Feb 05, 2019 7:21 am
Forum: Personal Consumer Issues
Topic: Water in Basement... $11k to fix... Need advice!!!
Replies: 35
Views: 3357

Re: Water in Basement... $11k to fix... Need advice!!!

Have you considered an underground slope? This is another tool to add to your solutions, and you can do it yourself. I did, with my handyman. Google it, but here's one link: https://www.greenbuildingadvisor.com/cad/detail/underground-water-barrier-retrofit-rubber-membrane My ~30 yo house was shifti...
by nativenewenglander
Thu Jan 31, 2019 7:11 am
Forum: Personal Consumer Issues
Topic: Best weather sites
Replies: 28
Views: 2152

Re: Best weather sites

Wunderground changed yet again and we do not adapt as well to this as we age. What sites do you use for local weather? Why? We like general outlook for several days, all at a glance, prefer advertisement to not be so heavy. Easy satellite glance helpful also. This my favorite weather site a true we...
by nativenewenglander
Mon Jan 28, 2019 4:50 pm
Forum: Personal Consumer Issues
Topic: Do you do backpacking in your 50s or 60s?
Replies: 51
Views: 3728

Re: Do you do backpacking in your 50s or 60s?

I'm 57 and still backpack, but mainly in the mountains here in New England. My wife is not up for long hikes any longer, so I tend to go alone or with friends. My favorite is trail running carrying light gear covering larger expanses of territory, but stopping at scenic overlooks. The idea of hiking...
by nativenewenglander
Mon Jan 28, 2019 4:04 pm
Forum: Personal Consumer Issues
Topic: NH retirees, do you go south for the winter months?
Replies: 8
Views: 1505

Re: NH retirees, do you go south for the winter months?

36 year NH resident here. We moved to Coos County NH from southern NH five years ago to do more four season recreation. The alpine skiing is amazing, as I came back from Bretton Woods ten minutes ago and will go back tomorrow. I don't foresee us going south for the winter in our elder years. We have...
by nativenewenglander
Fri Jan 25, 2019 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Home insurance going up every year...
Replies: 58
Views: 3551

Re: Home insurance going up every year...

We've been in our current house for about 10 years - bought for about $260k. Our first insurance premium was around $1200 per year. For the first few years, we went with an independent agent who quoted from several companies. After a few years, the premium went above $2500. I shopped around and lan...
by nativenewenglander
Wed Jan 23, 2019 5:50 am
Forum: Personal Consumer Issues
Topic: 1980s Vacuums vs Today
Replies: 27
Views: 2827

Re: 1980s Vacuums vs Today

I have a 1966 Electrolux canister vacuum, a very quiet machine. We've had it since 1985 or so when I bought out a business it came with it. My wife has allergies now so last spring we bought a Meile that has a hepa filter also very quiet and a bit lighter. It cleans about the same as the Electrolux....
by nativenewenglander
Tue Jan 08, 2019 6:00 am
Forum: Personal Consumer Issues
Topic: Good kitchen mixing bowls
Replies: 17
Views: 1087

Re: Good kitchen mixing bowls

We have a set of stainless bowls we use for certain kitchen tasks. The largest being 22 inches across the smallest six inches. I love the large one when grating cabbage for sauerkraut as it hold 5 lbs of shredded cabbage and room to mix in the pickling salt. Then we have an original complete set of ...
by nativenewenglander
Sun Jan 06, 2019 6:34 am
Forum: Personal Consumer Issues
Topic: washer dryer rec
Replies: 22
Views: 1574

Re: washer dryer rec

I recommend a Speed Queen top loading washer and dryer. Mine are still running great after 23 years. Our Bosch washer died, the repair guy came said it was not repairable. We asked him what he owned he said Speed Queen. When he has time off he doesn't want to fix his own washer and dryer. He even g...
by nativenewenglander
Fri Jan 04, 2019 7:31 am
Forum: Investing - Theory, News & General
Topic: Vanguard's Wellesley Income fund is incredible
Replies: 200
Views: 66649

Re: Vanguard's Wellesley Income fund is incredible

A good deal of Vanguard Wellesley Income’s appeal inheres in our yearning for the era in which the fund was formed. The fund’s name, with its recondite Victorian allusion, https://en.m.wikipedia.org/wiki/Arthur_Wellesley,_1st_Duke_of_Wellington resonates powerfully. Its investors become members of ...
by nativenewenglander
Tue Dec 25, 2018 6:34 am
Forum: Investing - Theory, News & General
Topic: What was your best investment in 2018?
Replies: 127
Views: 7591

Re: What was your best investment in 2018?

SCHO 1-3 year treasuries ETF.
by nativenewenglander
Sat Dec 22, 2018 5:36 pm
Forum: Investing - Theory, News & General
Topic: Percentage of Net Worth in Equities
Replies: 23
Views: 1964

Re: Percentage of Net Worth in Equities

I'm 100% Wellesley Income Fund, so 30-50% equities the balance bonds. I have 10% cash which is in SCHO a 1-3 year treasury fund for any needed short term cash, which I never need.
by nativenewenglander
Sat Dec 22, 2018 5:18 pm
Forum: US Chapters
Topic: My Christmas Present To You
Replies: 108
Views: 11711

Re: My Christmas Present To You

When I lived in my former town there was a decorated hero of the Battle of the Bulge. I knew his sons well. He, however never talked about his service, but it came up after a newspaper interview he did some years ago. He was a very quiet, unassuming man, but did great things when duty called. He cam...
by nativenewenglander
Wed Dec 19, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: Interior repaint frequency?
Replies: 17
Views: 1454

Re: Interior repaint frequency?

We owned an three bedroom antique colonial house which we restored over a period of years. I used all oil based paints on the interior when I did the work from 1985-1990. One room I remember was in amazingly good shape paint wise, but re-coated it anyway., I put the second coat of paint on the trim ...
by nativenewenglander
Tue Dec 11, 2018 5:52 am
Forum: Personal Investments
Topic: Vanguard Wellesly Income
Replies: 45
Views: 6172

Re: Vanguard Wellesly Income

The dividends on VWINX were not lowered during the recession of 2008-09. Jun 25, 2009 0.219 Dividend Mar 26, 2009 0.233 Dividend Dec 16, 2008 0.585 Dividend Sep 25, 2008 0.24 Dividend Jun 26, 2008 0.252 Dividend Mar 27, 2008 0.23 Dividend Dec 13, 2007 0.538 Dividend Sep 21, 2007 0.23 Dividend Jun 2...
by nativenewenglander
Mon Dec 10, 2018 11:09 am
Forum: Personal Investments
Topic: Vanguard Wellesly Income
Replies: 45
Views: 6172

Re: Vanguard Wellesly Income

I don't think it's a bad idea at all. Just be prepared, in a downturn (this could happen in any environment) for dividends to go down at times. This happened, even with Wellesly, during the Great Recession. So having "enough" from dividends today doesn't mean you will have enough tomorrow, and so f...
by nativenewenglander
Sun Dec 09, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Attic insulation-R30 to R60 worth it?
Replies: 33
Views: 3807

Re: Attic insulation-R30 to R60 worth it?

Hey all, I have a 2900 sqft home in Chicagoland area. Home built in 2000. Attic insulation is about R30 (rolled batts with some blown in fiberglass above it). My daughters room has cathedral ceilings and is always about 2-3 degrees cooler in winter and 2-3 degrees hotter is summer. I climbed up to ...
by nativenewenglander
Sun Dec 09, 2018 9:01 am
Forum: Personal Investments
Topic: Vanguard Wellesly Income
Replies: 45
Views: 6172

Re: Vanguard Wellesly Income

I don't think it's a bad idea at all. Just be prepared, in a downturn (this could happen in any environment) for dividends to go down at times. This happened, even with Wellesly, during the Great Recession. So having "enough" from dividends today doesn't mean you will have enough tomorrow, and so f...
by nativenewenglander
Thu Dec 06, 2018 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 375
Views: 22835

Re: What are others paying for property taxes around the US?

Accessed value $177K taxes $4400 1650 sqft four acres 1800 sqft heated barn built in 1880 or so. Northern NH.
by nativenewenglander
Sat Dec 01, 2018 6:01 am
Forum: Personal Finance (Not Investing)
Topic: Family loan
Replies: 19
Views: 1360

Re: Family loan

I really wish my parents were alive so they could ask me for a loan. * * * * * * * * * * * What part of your net worth do they want to borrow? If it were me, and the amount was reasonable I would give them the money, not lend it. I have made private loans in the past and have always kissed the mone...
by nativenewenglander
Thu Nov 29, 2018 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Home office deduction and depreciation recapture
Replies: 3
Views: 426

Re: Home office deduction and depreciation recapture

I've been running my business from home for 35 years, but have used the same CPA firm during that time. Having moved three times over the years I relied on my tax people to keep me on the right side of the tax laws. It's tricky with depreciation and the recapture when dealing with the IRS. You might...
by nativenewenglander
Thu Nov 29, 2018 7:26 am
Forum: Personal Consumer Issues
Topic: How do you spend/kill time online?
Replies: 21
Views: 2774

Re: How do you spend/kill time online?

The wealthy do not "kill" time, online or elsewhere. They are found to be happier than the remainder of the population not simply because of their wealth but more importantly because of how they view/use time: https://www.hbs.edu/faculty/Publication%20Files/18-111_401aafe7-dede-4cf9-9d95-073eee6868...
by nativenewenglander
Sun Nov 18, 2018 6:33 am
Forum: Personal Consumer Issues
Topic: vacation in Maine, New Hampshire
Replies: 9
Views: 1041

Re: vacation in Maine, New Hampshire

Here is the webcam at Treats and Treasures in Pittsburg, NH as you can see there's already plenty of snow!
https://www.wunderground.com/personal-w ... =KNHPITTS3
by nativenewenglander
Sun Nov 18, 2018 6:29 am
Forum: Personal Consumer Issues
Topic: vacation in Maine, New Hampshire
Replies: 9
Views: 1041

Re: vacation in Maine, New Hampshire

I like Manchester airport, it’s much easier than Logan, much less traffic. BTW, cellular service can be iffy back up in the hills, so I always carry paper maps as a backup. Along with all the stuff you need if there is a power outage, obviously. They put a cell tower up this spring in Pittsburg, so...
by nativenewenglander
Thu Nov 15, 2018 5:56 am
Forum: Personal Consumer Issues
Topic: fuel for snowblower
Replies: 97
Views: 5773

Re: fuel for snowblower

My small engine mechanic, as well as some of my equipment owners manuals, says always to use 93 octane fuel for air cooled engines; my personal preference is top tier Shell V-Power. Additionally, I use Stabil and Startron to extend the shelf life of the gasoline. Has proven to work well for many ye...
by nativenewenglander
Wed Nov 14, 2018 7:46 am
Forum: Personal Consumer Issues
Topic: fuel for snowblower
Replies: 97
Views: 5773

Re: fuel for snowblower

I own a 1995 two wheel tractor, on which I put a snowblower attachment, with a 12 hp Kohler. The Gravely forums I have been on say to go with high octane no ethanol, but add a marine stabilizer to the fuel. I found my engine starts better in cold weather with the higher octane.
by nativenewenglander
Mon Nov 12, 2018 5:35 am
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 8625

Re: What's everyone currently in?

Vanguard Wellesley
1.5 years cash
30K muni CEF's VMO and VKQ bought in the last two weeks
by nativenewenglander
Sat Nov 10, 2018 7:44 am
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 137
Views: 11241

Re: Favorite "free stuff"?

Not sure if this counts, but I work for a large niche health products company. I haven't had to purchase shampoo, bodywash, all-purpose cleaner, hand soap, laundry detergent, dietary supplements (multi-vitamin, EFA supplement, protein supplement, etc.), skin and hair care products , (wife) , etc. f...
by nativenewenglander
Wed Nov 07, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Best strategy basement mold
Replies: 27
Views: 2405

Re: Best strategy basement mold

I used a dehumidifer to keep my basement mold and mildew free. It had a built in humidistat so it only ran when necessary and generally not at all in the winter. The reason mold is common in basements is that in the summer the basement is usually cooler than outside. So air that infiltrates from ou...
by nativenewenglander
Tue Nov 06, 2018 5:47 am
Forum: Personal Consumer Issues
Topic: Best strategy basement mold
Replies: 27
Views: 2405

Re: Best strategy basement mold

I live in the Northeast. Winters tend to be dry. Curious if people run dehumidifiers in the basement in the winter? I live in the NE and run the dehumidifier when the temperature goes above 60. I have no idea why that is my breakpoint, so I would seek advice from someone who has a better explanatio...